Earnings Performance - Half year ended 30 June 2019
Funding: Continue to build up diverse sources of funding
Summary
Customers' deposits up by 2.4% to QAR 76.9bn in H1 2019 v
H1 2018 representing 54% of the total funding base
Well diversified funding mix
Shareholders' equity represents 15% of funding mix
Syndicated loan issuance of USD 750m in Dec 2018
Total funding mix - 30 June 2019
â– Customers' Deposits
Total Shareholders'
Equity
4%
15%
Due to Banks and
12%
Financial Institutions
Debt Securities & Other
15%
borrowings
Other Liabilities
Debt issued and other borrowed funds
Commercial Bank credit ratings
54%
Issuance Type (QARM)
H1 2019
H1 2018
Foreign Ccy
Rating
Subordinated Notes
3,437
3,436
Deposits/IDR
Agency
Bank
Strength
Outlook
Date
EMTN
6,272
7,906
LT
Senior Notes
1,650
2,585
Moody's
A3
ST
Prime 2
bal
Stable
Jul 19
Other loans (including CPs)
9,805
12,124
Fitch
A
F1
bb+
Stable
Mar19
Total
21,165
26,051
S&P
BBB+
A-2
bb+
Stable
Jun19
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